The Cheapest Car Insurance in Utah for 2022

MoneyGeek collected quotes from insurance companies in Utah to help you find the best coverage for your needs and budget. GEICO is the cheapest provider for an average driver. You can save over $700 in your annual premiums by comparing quotes.

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Last Updated: 5/13/2022
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Although GEICO has the cheapest coverage in Utah on average, several variables, including coverage amounts, driving history, age and credit score, also impact your car insurance costs.

American Family, for instance, has the cheapest coverage for drivers with a DUI on their record. If you are former or current military personnel, you and your family may be eligible for a policy from USAA, the cheapest full coverage car insurance provider in Utah.

For those looking for an even more local solution, we also broke down the cheapest companies by city, as well as the best car insurance companies in Utah for those looking to balance quality service and cost.

To find out how MoneyGeek calculated the cheapest car insurance in Utah, read our methodology.

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Cheapest Minimum Liability Car Insurance in Utah

Minimum liability coverage is the cheapest car insurance policy in Utah. The coverage meets the minimum prerequisites of the state and gives Utah drivers limited protection.

The most affordable auto insurance companies in Utah for minimum liability coverage are:

  • GEICO: $393 per year
  • Farmers: $637 per year

USAA has an even lower average rate of $356 per year, but its coverage is exclusively available for military members and their families. The most expensive carrier for minimum coverage in the state is American Family, with an average cost of $995 per year.

Cheapest Minimum Car Insurance in Utah
  • Company
    Annually
    Monthly
  • 1.
    $356
    $30
  • 2.
    $393
    $33
  • 3.
    $637
    $53
  • 4.
    $697
    $58
  • 5.
    $701
    $58

These prices are only estimates based on rates for an average Utah driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Utah

A full coverage policy in Utah provides comprehensive and collision coverage, which protects drivers from on-road accidents and off-road incidents.

While full coverage offers higher limits and additional protection, it costs more than minimum liability coverage. Because full coverage rates vary between insurance companies, comparing quotes from multiple providers can help you secure the lowest rates.

The cheapest providers of full coverage car insurance in Utah are:

  • GEICO: $677 per year
  • Esurance: $990 per year

If you or a family member are in the military, you can get coverage from USAA for an average of $644 annually. American Family charges the highest rate of $1,406 per year for full coverage.

Cheapest Full Coverage Car Insurance in Utah

You may be required to pay more or less than the above quotes depending on your age, credit score and other relevant factors. The above costs are averages for comprehensive and collision coverage with $100,000 bodily injury liability coverage per person, $300,000 bodily injury liability coverage per accident and $100,000 property damage coverage per accident.

How to Compare Cheap Utah Car Insurance Quotes Online

Insurance companies in Utah allow customers to request more accurate quotes from their websites. Outlining your specific needs before shopping around can help you find affordable rates.

  • Specify the same coverage level while comparing quotes. If you wish to get a policy with $50,000 in bodily liability insurance per accident, for example, using this figure across all providers enables you to obtain more accurate figures.
  • Use MoneyGeek’s calculator to determine the insurance cost for an average driver. For a more personalized quote, you’ll need to enter more details. You can also use the MoneyGeek pricing information to identify the best companies to approach for a quote.
  • Consider using MoneyGeek’s recommended carriers. According to MoneyGeek, USAA, GEICO and Farmers offer the lowest car insurance rates in Utah.

Auto Insurance Calculator

State

Utah

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$349

2.

GEICO

$417

Cheapest Car Insurance for Drivers With a DUI in Utah

Drivers in Utah who have a history of serious traffic violations like driving under the influence (DUI) pay higher premiums for auto insurance and are often required to file an SR-22.. The average cost of car insurance for drivers with a DUI is $1,723 per year, while drivers without a DUI pay $1,154.

Companies with the cheapest car insurance for drivers with a DUI in Utah are:

  • American Family: $1,426 per year
  • State Farm: $1,429 per year

USAA has the lowest rates for Utah military drivers with a DUI, at an average of $1,188 yearly.

Average Car Insurance Rates With a DUI

The real costs of a DUI can be far-reaching. In some cases, insurance companies may choose not to insure you. If you are unable to obtain insurance after a DUI, consider exploring state-sponsored auto insurance programs. These programs were created to insure high-risk drivers while sharing the risk between multiple providers.

Cheapest Car Insurance in Utah for Drivers With an At-Fault Accident

Having an at-fault accident on your driving record in Utah can significantly increase your car insurance premiums. On average, you’ll pay $1,735 for coverage if you’re found responsible for causing an accident.

The most affordable car insurance for at-fault drivers in Utah on average are:

  • GEICO: $1,157 per year
  • American Family: $1,426 per year

USAA is also an affordable option if you meet its requirements, with an annual average cost of $974 for drivers with an at-fault accident.

Cheapest Car Insurance With an At-Fault Accident

Cheapest Car Insurance for Drivers With Tickets in Utah

Drivers with tickets for minor violations, such as distracted driving, pay more for car insurance. The average cost for those with tickets is $1,419 per year, compared to drivers without tickets who pay $1,154.

Insurers in Utah with the best rates for drivers with tickets are:

  • GEICO: $838 per year
  • Nationwide: $1,150 per year

Are you part of a military family? If so, drivers with tickets in Utah can get coverage from USAA for just $815 per year on average.

Average Car Insurance Rates With a Ticket

Many insurers look at distracted driving and speeding infractions as a risk. A violation will most likely increase your insurance rates, but how much depends on your carrier and if you have a clean driving record. It’s important to note that if you are cited for distracted driving, your insurance premium could increase even if you were not involved in an accident.

The Utah DMV uses a point system to mark your record of traffic violations. According to Utah Courts, if you drive one year without being convicted of a moving traffic violation, half of the points on your driving record will be removed. If you drive two years without a moving traffic violation, all of the points on your record will be removed. In most cases, clearing your record is a waiting game.

Maintaining cheap car insurance rates with a ticket in Utah is still possible. If you have tickets, some insurance companies will offer a reduced premium if you take a defensive driving course. Speak with your insurer to discuss the best option for you.

Cheapest Car Insurance Companies in Utah for Drivers With Bad Credit

Bad credit scores negatively impact car insurance costs in Utah. Drivers with a good score pay an average of $1,154 per year, while those with low credit scores pay $2,168.

Insurance companies with the best car insurance rates for drivers with bad credit scores are:

  • GEICO: $1,232 per year
  • Nationwide: $1,370 per year

For military drivers with bad credit, USAA's average rate of $1,114 per year is likely your most affordable option.

Average Car Insurance Rates for Drivers With Bad Credit

According to Experian, Utah ranks number 16 in the nation for highest credit scoring with an average credit score of 716. While many Utah drivers have a higher-than-average credit score, a low score could still increase your insurance premium. When shopping for insurance quotes, make sure to reevaluate your rates when you improve your credit.

Cheapest Car Insurance in Utah for Seniors

Seniors in Utah pay more than middle-aged drivers and young adults for car insurance. The average cost for seniors is $1,276 per year, compared to younger drivers who pay $1,154 annually.

The cheapest providers of car insurance in Utah for senior drivers are:

  • GEICO: $918 per year
  • Nationwide: $1,025 per year

For a current or former military member, seniors can get USAA insurance in Utah for roughly $753 per year.

Average Car Insurance Rates for Seniors

When looking for cheap car insurance for seniors in Utah, a few unique factors come into play. While older drivers tend to have more experience behind the wheel, some physical impairments often show with aging. These include vision loss, slower reflexes and changes in attention.

According to the National Highway Traffic Safety Administration, 15.7% of fatal traffic accidents in Utah in 2017 involved a driver over the age of 65. Because seniors tend to face physical limitations to driving, Utah auto insurance companies weigh these risks against all other factors when developing policies for older drivers.

If you are a senior shopping for car insurance, first meet with your doctor to discuss your capabilities and limitations behind the wheel, then research senior discounts offered by the top-rated car insurance companies in the state.

Cheapest Car Insurance in Utah for Young Drivers

Young drivers pay more for car insurance due to their inexperience behind the wheel. In Utah, the annual cost of car insurance for a 16-year-old driver is $3,330, while for a 25-year-old driver, it’s $1,270.

GEICO is the cheapest auto insurance policy in Utah for drivers aged between 16-25 years. MoneyGeek found it was the cheapest company on average for every age in that range for our sample drivers.

Annual Car Insurance In Utah for Young Drivers

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • $3,330
    GEICO
    $2,177
  • $3,163
    GEICO
    $1,823
  • $2,809
    GEICO
    $1,676
  • $2,808
    GEICO
    $1,623
  • $2,434
    GEICO
    $1,438
  • $1,904
    GEICO
    $1,009
  • $1,744
    GEICO
    $913
  • $1,525
    GEICO
    $794
  • $1,404
    GEICO
    $756
  • $1,270
    GEICO
    $679

Car insurance for young drivers and students can be very expensive due to their lack of experience. That's why it's important to inquire about discounts before adding your young driver to your insurance policy. Generally, car insurance is much cheaper for a young driver if they're driving a responsible family sedan instead of a flashy sports car.

Insurance Rate Information for Military Drivers and Veterans

If you are a permanent resident of another state but are on active military duty in Utah, you can maintain your license and registration from your home state. But if you buy a car in Utah, you will have to pay Utah sales tax, even if you keep your home state registration.

If you are a Utah resident who is stationed out of state, you may be exempt from emissions and safety inspections (contact the Utah DMV for more information). If your license expires while you are on active duty outside of Utah, you may continue to use your license for up to 90 days after your discharge before filing for an extension or renewing it.

Many insurers provide discounts for military personnel and veterans but remember — one of the best ways to secure a lower premium is to maintain a good driving record.

Average Rates for Utah service members

male
25 years$1,398
50 years$1,067
female
25 years$1,220
50 years$1,067

Car Insurance in Utah: What You Need to Know

All Utah residents (and visitors who spent at least 90 days in the state during the previous year) must insure their vehicles in Utah.

Proof of Insurance in Utah

The Utah Department of Motor Vehicles works with the private firm Insure-Rite to regularly check vehicle registrations against insurance policies written in the state. If they flag your vehicle as uninsured, you will receive a letter requiring you to provide proof of insurance. If you don't provide the requested proof, the DMV will suspend your license and registration.

Minimum Liability Insurance Requirements in Utah

Utah law requires that you carry both liability and personal injury protection (PIP) insurance on any vehicle registered in the state. If you are in an accident, the PIP coverage takes effect first. Once the maximum PIP payout is reached, your liability insurance takes over. The minimum coverage amounts are:

  • $3,000 for personal injury protection per accident
  • $25,000 for injury liability per person
  • $65,000 for injury liability per accident
  • $15,000 for property damage liability per accident

What Happens If You Drive Without Car Insurance in Utah?

If the state determines that you failed to insure your vehicle, it will suspend your license and registration. You cannot renew them until you provide proof of insurance and pay a fee. As stated by the Utah DMV, the fine for driving without insurance is at least $400 for the first offense and $1,000 for subsequent offenses within three years.

To get your license and registration reinstated, you will need to obtain an SR-22 certificate from a Utah-licensed insurance company that shows proof of insurance coverage. You will need to maintain this proof of insurance for three years. You will also have to pay a $100 reinstatement fee.

How Much Coverage Do You Need in Utah?

Experts usually recommend purchasing more than the mandatory minimum liability insurance. But the type of insurance you purchase will depend on your personal situation. Experts generally recommend getting $100,000 per injury and $300,000 per accident.

For example, if you have a new car with a loan, your loan agreement probably requires you to purchase both collision and comprehensive insurance. But if you own an older car, it may not be worth investing in this type of insurance.

Your insurer will offer you uninsured/underinsured motorist coverage. Utah has a relatively low percentage of uninsured drivers compared to other states, but you may still want to invest in this coverage for peace of mind.

Cheapest Car Insurance in Utah by City

In Utah, car insurance costs can change significantly depending on where you live. An average driver in Provo pays the cheapest annual average premium for auto insurance at $1,066, while West Valley City residents can expect to pay $1,174.

You can find more information about insurance in your area by clicking your city.

Average Insurance Rate by City in Utah

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FAQs About Car Insurance in Utah

Many Utah drivers have questions about car insurance costs and coverage limits. Find answers to some of the most commonly asked car insurance questions below.

Expert Advice on Finding Cheap Car Insurance in Utah

To help you find credible and accurate details on car insurance in Utah, MoneyGeek received expert advice from trusted professionals. The views and sentiments conveyed are those of the individual contributor.

  1. What are the key factors drivers in Utah should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Utah take to find affordable car insurance?
  3. How do regulations and rules in Utah impact insurance pricing and how consumers might shop for coverage?
Dr. Leo Chan
Dr. Leo Chan

Associate Professor of Finance Economics at Utah Valley University

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About the Author


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Nicole Duxbury is a writer for MoneyGeek and a marketing and communications professional based in Reno, Nevada. She has more than six years of professional marketing and communications experience working with clients in finance, insurance, non-profit, international education, travel, food and beverage, consumer packaged goods, higher education and politics.

Nicole earned her bachelor of arts degree in psychology from the University of Oregon. She uses her knowledge of human psychology to create content that captures consumers' attention. Her expertise and passion lie in social media management and content curation for blogs and websites in these industries.


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